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It all started about a decade back when the Bank, in pursuit of abnormal growth, had recklessly lent money to big corporates flouting all risk management norms.

KAR karura in India ✌️【Stock Market】✌️Invest ₹500 and grow your wealth through secure, high-yield opportunities.The other liabilities for FY 2019 included a provision for standard assets to the tune of Rs.3,000 crore (which was only Rs.950 crore in the previous financial year).

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Even the rating agency did not notice the deterioration till mid-2019.

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It is worth noting that the economy was growing at more than 8% in 2005 and similarly the financial stimuli post global financial crisis was at all-time high in 2010.  Therefore, a surge in loan book during these periods was more a procyclical phenomenon.

KAR karura in India ✌️【Stock Market】✌️Start at ₹500, enjoy reliable and high monthly returns. Your financial growth starts here!But the bulging loan book in FY 2019 was at a time when the economy was under stress and the country witnessed some big ticket corporate defaults.

For example, we all know about big defaults by NBFCs in India in recent times and yet the Bank had provided a fresh loan of Rs.

6994 crore to NBFCs during FY2019.

KAR karura in India ✌️【Stock Market】✌️Start with ₹500 and grow your wealth through blockchain and AI-powered investments!The change of asset mix had an adverse impact on return on equity and net profit margin.Did the auditors of the Bank highlight any trouble in their audit report? The audit report for the FY 2019 (the worst year for the Bank) was a clean report.

In fact, there was hardly any material difference in the observations of the auditors with the report of the previous year.

KAR karura in India ✌️【Stock Market】✌️Begin with ₹500 and earn fast, safe returns month after month.There was no qualified opinion on any matters.

Rather the auditors mentioned that the Bank had adequate internal financial controls and it had made provisions as per extant laws.

KAR karura in India ✌️【Stock Market】✌️From ₹500 to massive profits. Start investing now for high returns!The auditors did not mention anything about the under-provisioning of advances or quality of advances.

KAR karura in India ✌️【Stock Market】✌️Get started with ₹500 and unlock huge returns every month.The same auditors, while commenting on the third quarter results of the Bank in FY 2020, mentioned material uncertainty related to the going concern assumption at a time when the entire world came to know about the poor corporate governance in the Bank.

Responding to allegations on the quality of financial statements of the Bank, the institute of Chartered Accountants of India (ICAI) has decided to review the financial statements of the Bank for FY2018 and FY 2019[4].

KAR karura in India ✌️【Stock Market】✌️Start with ₹500 and earn reliable, high returns each and every month!This is not a good news for the auditors of the Bank.The crisis at Yes Bank is not a manifestation of poor market or credit risk management.

It is another example of clear disregard to the most dangerous risk that every bank faces-the threat of operational risk.

Mishandling of credit and market risks may result on loss of revenue or profit.

KAR karura in India ✌️【Stock Market】✌️Start at ₹500, enjoy reliable and high monthly returns. Your financial growth starts here!But ignoring signs of operational risk is a sure recipe for disaster.

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18,000 crore in the first six months of FY2020.

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KAR karura in India ✌️【Stock Market】✌️Start at ₹500, enjoy reliable and high monthly returns. Your financial growth starts here!A sound corporate governance structure with professional management may save the Bank from collapse and regain investor confidence.[4]https://www.livemint.com/companies/news/icai-to-review-books-of-yes-bank-for-fy18-fy19-11583941262292.htmlKAR karura in India ✌️【Stock Market】✌️Invest with confidence using AI insights. Start at ₹500 and watch your wealth grow exponentially.